resim 159
resim 159

4.2 billion. This is the number of bank transfers made in France in 2022, according to figures released by Statista. While this means of payment is still more used, there are still significant transfer times. Indeed, as reported by the European Commission, “only 11% of all euro transfers made in the European Union [are] instant”.

The reason for this is simple, most banks still charge for this service today. However, they make it possible to avoid a transit that can last from 1 to 3 working days. As our colleagues from MoneyVox report, nearly 200 billion euros are blocked every day during what is called the “floating period”.

In addition to this duration of several working days, there are also days when transfers do not pass at all. In addition to Saturday and Sunday, several days, public holidays or not, will be affected in 2023. Discover the complete list in our slideshow.

On Wednesday, October 26, the European Commission adopted a bill aimed at “removing the obstacles which prevent the generalization of instant payments and the advantages they provide”.

Today, instant transfers cost an average of 0.94 euros and can sometimes be charged up to 14 euros if they are requested directly via an advisor. If in its text, the European Commission does not require instant transfers to be free, it prevents their price from being “higher than that of traditional and non-instant transfers in euros”.